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Line chart comparing U.S. nominal wage growth and inflation by quarter from the first quarter of 2021 through the first quarter of 2026. The graph shows wages are rising faster than inflation, but the gap has narrowed in the past few quarters.

Wages Are Growing. Wallets Are Not.

Global events are flowing directly into household budgets, reshaping how credit union members save, borrow, and cope. Such trends don’t always show up in headline data.

Bar chart showing net worth and capital ratios for U.S. credit unions rising steadily from the first quarter of 2021 through the first quarter of 2026.

Credit Unions Are Having A Margin Moment

Credit unions are benefiting from a rare margin advantage as loans reprice slower than deposits. The question now is how institutions will use that strength to better serve members.

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